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LIGHT UNMANNED AIRCRAFT SYSTEMS (LUAS)
NEW INSURANCE PROGRAMME

The Unmanned Aircraft Systems (UAS) industry is developing rapidly with light (less than 150kg) UAS already finding increasing applicability in the Government and Civil commercial sector. There is already a move towards a harmonised European regulatory approach. This is encouraging the safe and secure operation of Unmanned Aircraft Systems in Europe for state, as well as civil & commercial endusers.  In line with the EU’s civil/military airspace coordination, the European Commission (EC) and European Defence Agency (EDA) have come together at a high level to enable the broader use of UAS, and in particular light UAS, those with aircraft below 150kg. To date there has been a lack of clarity around the insurance requirements for UAS operators and manufacturers. All too often, operators are relying on general corporate public liability policies or simply not arranging insurance protection at all. Standard cover for a manufacturing or professional business would likely be severely tested when they mattered most.

In accordance with EC Directive No: 785/2004, all commercially operated Light Unmanned Aircraft of below 150kg (i.e. those used for Aerial Work) require appropriate and valid 3rd Party Liability insurance.  EuroUSCTM is providing much needed independent validation and qualification via safety assessments on behalf of the regulator for UAS commercial operations, through its Design and Construction airworthiness certificates (LUASSTM) and Pilots/crew qualifications (BNUCTM).  In parallel, Windsor, a leading specialist insurance broker and Kiln, a leading international insurance company are supporting the European Framework of cooperation of the EC, the EDA and the European Space Agency (ESA), by delivering a sector specific insurance programme tailored to meet operators’ third party liability and physical loss/damage risk and insurance requirements.

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